Calculate short-term and long-term capital gains tax (STCG & LTCG) on stocks, mutual funds, or real estate at current tax rates.
LTCG on listed equity/mutual funds is tax-free up to ₹1.25 Lakh per financial year. Only gains above this limit attract tax.
A Capital Gains Tax Calculator estimates Short-Term Capital Gains (STCG) and Long-Term Capital Gains (LTCG) taxes on stocks, mutual funds, real estate, and gold under the latest Union Budget 2024 rates.
An online tax tool that classifies holding periods, applies new tax rates (Equity LTCG 12.5% over ₹1.25L, Equity STCG 20%), and computes property indexation options.
Calculated for equity mutual fund units held over 12 months, bought for ₹3,00,000 and sold for ₹5,00,000:
Choose equity stocks, mutual funds, real estate property, or gold.
Input acquisition cost, sale price, and holding period dates.
Review STCG vs LTCG tax calculation breakdown and exemptions applied.
Capital Gains Tax is levied on net profit realized from selling capital assets like shares, equity funds, debt funds, gold, or real estate. Holding period determines classification...
The tax rate depends on holding periods: 12 months for listed equity shares/mutual funds, and 24 months for property, gold, and other assets. Debt funds are always treated as short-term regardless of duration.
Indexation allows you to adjust the purchase price of your property or asset to reflect inflation since the year of purchase. It uses cost index tables from CBDT to lower your overall taxable capital gains.
The Union Budget 2024 rationalized LTCG rates to a flat 12.5% without indexation. For properties acquired before July 23, 2024, resident taxpayers retain the option to choose 20% with indexation or 12.5% without indexation.
You can reduce your property capital gains tax by purchasing another residential property within 2 years (or constructing one within 3 years) under Section 54, or investing in capital gain bonds under Section 54EC.
Quick answers about how this tool works.
Short-Term Capital Gains (STCG) on equity shares held for 12 months or less are taxed at 20%.
For immovable property (land or building), a holding period of more than 24 months is classified as Long-Term Capital Asset.
Indexation adjusts the purchase price of an asset using the Cost Inflation Index (CII) to account for inflation, reducing taxable capital gains.
Yes. Short-term capital losses can be set off against both STCG and LTCG. Long-term capital losses can only be set off against long-term capital gains.
Yes, when you sell ancestral property. The cost of acquisition is taken as the original cost to the previous owner or Fair Market Value (FMV) as of April 1, 2001.
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